EMMETSBURG BANK SHARES INC is the parent banking group. IOWA TRUST & SAVINGS BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

EMMETSBURG BANK SHARES INC

Legal name: EMMETSBURG BANK SHARES, INC.

1 active bank · 1 merged/absorbed · $518M combined assets

RSSD ID: 1131901 (FFIEC NIC)

Combined Assets

$518M

CRA Rating Summary

Satisfactory1charter

Across all 13 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankIOWA TRUST & SAVINGS BANKEMMETSBURG, IASatisfactory$518MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$518M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$392M

Net Income

$1M

ROA (avg)

0.77%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

84.38%

Denial Rate

15.63%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
IOWA TRUST & SAVINGS BANK	EMMETSBURG, IA	FDIC	$518M	100.0%	Satisfactory	Apr 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.